Friday I had my PCP appointment. I told them my upcoming dates for Pre-Op testing and nutrition class. The nurse then was confused because my Pre-op was for April 8th and the PCP who attends the POTing is usually there but the PCP will be out of town on the 8th.
UGH! So after my appointment I think they notified Hurley of the discrepancies and then Hurley changed my POT dated for April 1st. This Wednesday.
Then I was stuck with a weekend so couldn't call anyone. I was going to call to see if I could move the POT for April 15th.
I wake up today to 5 calls from Hurley and a message asking me to call them ASAP. I already figured it was about insurance. So I called back and the conversation went in circles. They notified me my insurance is deactivated. Yes I know. Once I get a bill I pay COBRA and everything will be paid through insurance retroactively. I asked them if they would like to call insurance and they said no that it was my responsibility. Then J (the person I was talking to) said she needed to talk to her manager. She did and then came back with that they decided to just cancel my surgery. I was like WTF?!?! I am being punished because YOU moved my POT date up a week! If the POT was still set for April 8th then COBRA would have been paid by then and insurance would be active. Well they couldn't wait and if I went in for pre-op testing on April 1st without active insurance then I'd have to pay $250 up front to the hospital and if I don't get pre-op testing done then I can't get the surgery.
Then she decided to try and make me feel guilty for the pre-op diet kit, because THEY chose to and offered to pay for it considering our financial situation and the fact that we couldn't pay for it AND COBRA. She said "Well because we paid for the kit, we feel like we're losing money and that is why we want to cancel your surgery." I NEVER asked them to pay for the kit. They paid for it themselves. I was more than willing to pay for food out of pocket from a grocery store (food stamps) to follow they liquid diet.
I was in tears begging and pleading for them not to cancel. I have followed all the rules and done all the paperwork and just because a computer screen says deactivated on my insurance they want to scrap the whole thing. They didn't want to give me the opportunity to even fix or remedy the situation . . at first. I was so upset and crying I had to hang up on her.
I immediately called insurance and we (dh and I, since I could barely talk) talked with them on how to get this paid and active by April 1st or by the end of today so they don't cancel the surgery. We ended up having to physically drive down to the office and make a payment. They also need to draw up paperwork stating we are active and that the surgery will be covered. Then we have to hand deliver that tot he bariatric clinic so they won't cancel the surgery. It's an hour's drive down to Detroit from here, just one way. On the way my DH had to stop off at my sister's whom I had to call and ask to borrow the extra $135 we needed to be covered up through the surgery date.
Pay for all of this now though leaves us broke, which means I won't be able to see my mom on Sunday when she has a brief layover visit at the Detroit Airport. I haven't seen her in 2 years and she hasn't met my youngest son yet either. I still have to make that call to her. She has cancer and has severe knee problems since her surgery last year. She's been in constant pain for 8 months and is at the point of just wanting to have her whole leg removed from the knee down.
She's going down to see my brother graduate from the Marine academy this weekend. I was looking forward to seeing her one last time before my surgery.
I don't know. If anything else goes wrong today I don't think I am going to make it through it. I started my pre-liquid diet yesterday but I am so upset the one protein shake I had today has just made me sick to my stomach. All of this stress is NOT Helping and then for the clinic to threaten me with a cancellation is NOT helping in any way shape or form. Dh is at the point of saying "Ya know what, let's just not do this right now." but then he wants ME to stop the surgery so he doesn't look like the jerk.
He says he supports me and my decision, but it's difficult knowing he'd rather use the money for other things than this surgery.
I feel like I am being punished for following directions. I feel like I am being punished for the clinic moving the date up. I feel like I am being punished for the PCP doctor taking the original POT week off for the moving up the date of the POT. I'm doing what is asked of me, every single step of the way. I've made the calls and paid the money and yet I am still at risk for losing this surgery because of insurance bureaucracy and hoops. It's bad enough companies are given a 2 month grace period to screw me over out of money. COBRA would have cost 65% LESS had the companies got on track with Obama's Stimulus plan.
I just feel really screwed and not in a good way. I can't even write this without crying. Why does this have to be so difficult?!
So, what's happening?
6 years ago


